Products 
/ ONE PAY / Request to Pay

Collecting payments with flexibility and no mistakes

Provide payers with a widely accepted payment option where all relevant details are already pre-filled.

online open banking payments

Provide payers with a widely accepted payment option where all relevant details are already pre-filled.

online open banking payments
DOWNLOAD BROCHURE request demo
online open banking payments
What is RTP?

Nowadays, consumers are  looking for easy-to-use, instant, and secure means of paying online. The demand for flexible and transparent solutions has never been higher.

Request-to-Pay (RTP) is not to be confused with a payment means or a payment instrument: it is a way to communicate a request to be paid.

RTP is a messaging functionality, to communicate a request to be paid, combined with an account-to-account payment option.

The payee takes the initiative to request a specific payment from the payer, while providing the latter with all required information (amount, recipient, etc.).

ASK FOR A DEMO

Benefits & advantages of RTP

  • open banking request pay
    for merchants / payees
    • Light technical integration based on a REST API enabling merchants to quickly deploy this solution
    • Lower fees for the payment settlement than with credit cards or e-wallets
    • Better visibility and control over the request status
    • Supports specific use cases where the acts of purchase and payment are dissociated
    • Possibility to include branded elements in the payment user interface
  • open banking request pay
    for consumers / payers
    • Within the validity time the merchant defines, the received payment link can be used any time from, on a mobile or desktop device
    • A smooth payment experience: no need to sign-up or register to a third-party service
    • Highly secured as no sensitive payment data is shared with LUXHUB or the merchant – RTP relies on SCA, on bank’s website or mobile app
    • Offers a better financial visibility as funds are withdrawn directly from the payer’s account
open banking request pay
  • Light technical integration based on a REST API enabling merchants to quickly deploy this solution
  • Lower fees for the payment settlement than with credit cards or e-wallets
  • Better visibility and control over the request status
  • Supports specific use cases where the acts of purchase and payment are dissociated
  • Possibility to include branded elements in the payment user interface
In the Media
Beyond PSD2: building flexible and secure payment journeys

In the era of embedded finance, LUXHUB’s Ramzi Dziri shares how Open Banking-powered payments – with special features such as Request to Pay or SCA exemptions – are providing payees and payers with flexible and secure experiences.   After acquiring the AIS (Account Information Services) and PIS (Payment Initiation Services) licences from local regulator CSSF, […]

View
In the Media
Open Banking Report 2022: Combining A2A Payments with Request-to-Pay

European regulation and technological innovation, as well as the pandemic, have shaken payment habits and have therefore disrupted the payment industry. In fact, consumers are more than ever looking for easy-to-use, instant, and secure means of paying online: the demand for flexible and transparent solutions has never been higher. Request-to-Pay (RTP or R2P), combined with […]

View
In the Media
How LUXHUB facilitates the access to “Request to Pay”

Our Open Banking Product Manager recently discussed the Request to Pay trend with IT Nation and shares LUXHUB’s online payment vision, focusing on the need to provide flawless and secure experiences to both payers and payees.   “Request to Pay is not a new payment method, but rather a new way for the payee and […]

View
Blog
Focus on Request-to-Pay, with Ramzi Dziri

Partelya Consulting recently released its latest report crafted by Andréa Toucinho, entitled “Enjeux et perspectives pour l’Europe des paiments” – focusing on the latest challenges of the payments industry in Europe. Our Open Banking Product Manager and digital payments expert Ramzi Dziri took part in it, sharing his knowledge and discussing LUXHUB’s ambition with regards […]

View

Leverage efficient and flexible Open Banking-powered solutions

Get in touch today with the team to discuss your challenges and discover how we can support you in your overall digitalization processes.

ask for a demo DOWNLOAD BROCHURE
​